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What To Do & How To Claim Insurance If Your Car Gets Affected By A Flood

Flood damages are usually not covered in standard car insurance policies.

Cover image via AFP/South China Morning Post

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If your car is one of the many affected by the floods, a Malaysian has recently detailed what to do and how you can claim insurance

In a viral tweet on Sunday, 19 December, @amaninanaeeim tweeted a step-by-step guide.

1. Do not start your engine. Avoid doing this as it may cause even more damage to your engine.
2. Take a photo; record the location, time, and date of the flood.
3. Even when the floodwaters subside, do not start the engine. Instead, call a tow truck to take the car to the nearest police station so you can make a report. 
4. After completing it, you can send the report to any insurance panel workshop and make claims.

This applies if you have bought additional coverage that protects your car from these types of disasters.

Unfortunately, the bad news is that floods, windstorms, rainstorms, landslides/landslips, the sinking of the soil/earth, or other convulsions of nature are referred to as natural disasters and are usually not covered by standard car insurance policies

Even if you bought a 'comprehensive' car insurance policy, floods still usually fall under additional coverage which you need to have paid for.

According to a joint statement by Persatuan Insurans Am Malaysia (PIAM) and Malaysian Takaful Association (MTA), "special considerations" may be given on a case-by-case basis.

"Policy/certificate holders are advised to contact their insurers or takaful operators for further advice as the scope of cover, terms and conditions including relief measures accorded by one insurer or takaful operator may differ with another," the two associations said, according to Malay Mail.

If you are unsure whether your car insurance policy covers the damages, you can contact your insurance agent to check

Provide them with photos and details of what happened, along with any other relevant documents.

Here is a list of general insurance companies hotline numbers if needed:

1. AIG Insurance Malaysia Berhad
General Hotline: 1800-88-8811 or 603-21180188

2. AIA General Berhad
General hotline: 1300-88-1899
Flood losses (Mestari Adjusters): +603-79890310 / 0311
Flood losses (Malayan Adjustment Co Sdn Bhd) – +6016-4102111 (Nelson) or +6016-2129949 (Rebecca Poh)

3. Allianz General Insurance Company (M) Berhad
Allianz Road Rangers (24-hour accident/roadside assistance): 1-800-22-5542

4. AmGeneral Insurance Berhad
General hotline:
• Kurnia: 1800-88-3833
• Amassurance: 1800-88-6333

5. AXA Affin General Insurance Berhad
Flood claims 24/7 Hotline: +603-7989 0310

6. Berjaya Sompo Insurance
Catastrophe loss management hotline 24-hours and seven days a week:
• Non-motor: 1800-18-8010
• Motor: 1800-18-8033

7. Chubb Insurance Malaysia Berhad
General hotline: +603-20583000 / 1-800-88-3226

8. Etiqa General Insurance Berhad
Flood claims careline:
• +603-26928188 for Kuala Lumpur, Selangor, Perak, Kedah, Penang, and Perlis
• +603-42707735/5068 for Kelantan, Terengganu, Pahang, Johor, Melaka, Negeri Sembilan, Sabah and Sarawak.

9. Great Eastern General Insurance (Malaysia) Berhad
General claims hotline: 1300-13-1088

10. Liberty Insurance Berhad
General hotline:1300-88-8990

11. Lonpac Insurance Berhad
General hotline: +603-22628666

12. MPI Generali Insurans Bhd
General hotline: +603-20349888

13. MSIG Insurance (Malaysia) Bhd
Motor assist hotline 1-300-880-833
Customer service hotline 1-800-88-MSIG (6744)

14. Pacific & Orient Insurance Company Bhd
General hotline: 1800-88-2121

15. Progressive Insurance Bhd
General hotline: 1800-88-8458

16. QBE Insurance (M) Berhad
General hotline: 1-300-88-4847

17. RHB Insurance Berhad
24/7 Hotline: 1300-88-0881 or WhatsApp: +6012-6031978

18. The Pacific Insurance Berhad
General hotline: 1800-88-1629

19. Tokio Marine Insurans (M) Berhad
Catastrophe claims handling process: +603-20278488 (Whatsapp)

20. Tune Insurance Malaysia Berhad (Tune Protect Malaysia)
• Available 24/7 flood claims for motor vehicle: 1800-22-8863
• Available 24/7 flood claims for your residential / commercial property: +603-79890310

21. Zurich General Insurance Malaysia Berhad
General hotline: 1-300-888-622

Takaful Operator Companies Customer Hotline Numbers
1. Etiqa General Takaful Berhad
• 24-hour WhatsApp auto assist: 1-800-88-6491
• Flood claims careline at +603-26928188 (Kuala Lumpur, Selangor, Perak, Kedah, Penang, and Perlis) or +603-42707735/5068 (Kelantan, Terengganu, Pahang, Johor, Melaka, Negeri Sembilan, Sabah and Sarawak)

2. Syarikat Takaful Malaysia Am Berhad
Tel: 1-300-88-252385

3. Takaful Ikhlas General Berhad
Tel: +603-27239696

4. Zurich General Takaful Malaysia Berhad
Tel: 24-hour Zurich flood hotline +603-42700024
Mobile: +6017-3046288

Here are some other things to take note of if your car is stuck in a flood:

Dealing with a flooded house or helping someone clean their space? These are some things you might need: